CREDIT ISSUES

What you need to know about renting an apartment in Austin with bad credit.

Understand that apartments do not treat broken leases/ evictions and/or rental debts the same as bad credit. If you have a bad rental history, please refer to our Rental History Issues section.

Price range for these apartments are:

1/1 starts at $1,000 for North; 1/1 starts at $1,200 for South/ Southwest

2/2 starts at $1,400 for North;2/2 starts at $1,600 for South/ Southwest

3/2 starts at $2,050 for North and South

Unfortunately, I cannot help you if your price range is less than the above mentioned amountas I am not the one who creates the pricing system and qualification policy, but apartments and apartment market are.

Many people get discouraged after being declined by an apartment community due to their less than perfect credit. It is true that many apartments turn down those that have bad credit. However, there are also apartments that can work with people with credit issues. Your credit scores will determine the number of options you have. Typically, if your credit scores are below 550, you will have to be flexible with your area requirement. To find out your credit scores, you can visit www.creditkarma.com for free Transunion and Equifax scores, and www.annualcreditreport.com for free credit reports.

Generally, when apartments with lenient approval process work with a prospect with bad credit, you can expect them to ask for a refundable extra deposit equal to one month rent. The extra deposit is not to be confused with the initial standard deposit that is required along with application and admin fee when applying to secure a unit.

Most apartments require the whole amount of the extra deposit to be paid upon your move-in date along with the prorated rent. For example:

Your rent is $1000. Your move-in date is on Oct 15th. You got approved with a condition that requires for you to pay an extra deposit equal to one month rent. Since your move-in date is on Oct 15th, in this case, your prorated rent will be $500. On your move-in date, the total amount that is due is $1000 (extra deposit) + 500 (prorated rent).

The scenario mentioned above is not true for all apartments that work with bad credit. Some may only require $175 + prorated rent. Some may want half a month deposit. While some would want the extra deposit to be paid 72 hours after the initial approval date.

A few do not require any extra deposit whatsoever. In this case, you will have to be flexible with your area requirement. As there are limited apartment options that will approve applicants who have bad credit (with good rental history) with no additional deposit.

Different apartment have different stipulations. Apartments Express is aware of these stipulations each apartment has.

Let me guide you in the right direction so you know before you go. I will let you know upfront how much money is required upon move-in and what each apartment requires in their approval process. I want to make sure you are comfortable with the decision you make.

No credit/ Lack of credit

Have you never established any credit and have, therefore, no credit or lack of credit? That is not a problem. I can locate those apartments that can work with you. Compared to people with bad credit, you are a little better off. Many apartments do prefer people with no credit over bad credit. Yet, there are also those who decline people that have ZERO credit activity.

What average apartment searchers do not know is leasing personnel are not allowed to discourage you from applying at the apartment community they work at. Therefore, whenever you call an apartment community and give them your situation, they all will reply: "I won't be able to tell you whether you are approved or not until your application is ran". Not being given a straight answer is quite frustrating.

Let me tell you what chance you have at the apartment you are interested in, and even give you better suggestions.

Apartments that do NOT check credit

Some people may think that the way around strict apartment qualification criteria is to find an apartment that does not check credit. Unfortunately, I have a bad news for you. There is -NO- apartment in Austin and the surrounding areas that do not run credit. Every legitimate apartment community do check credit. Do not fall for those scams that advertise otherwise.

GET HELP INSTANTLY!Call or text 512-947-2983 or use the form below to send an email.

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Issues or concerns? Please let us know so we can take your situation in consideration to make sure we look for places that can work with you and your situation. *

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